Systems And Methods Using A Mobile Device To Collect Data For Insurance Premiums
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Accused Products
Abstract
A system and method for determining a vehicle insurance premium for a period of time based at least in part on collected vehicle operation data, the system comprising: a mobile device, comprising: one or more sensors associated with the mobile device and configured to automatically collect vehicle operation data during a data collection session; a processor; a non-transitory storage medium; a display; a transmitter; and a set of computer readable instructions stored in the non-transitory storage medium and when executed by the processor configured to allow the mobile device to collect vehicle operation data and transmit the collected vehicle operation data; and a remote processing computer, comprising: a server that receives collected vehicle operation data; a database that stores collected vehicle operation data; and a rating engine that determines a vehicle insurance premium based at least in part on collected vehicle operation data.
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Citations
44 Claims
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1-24. -24. (canceled)
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25. A computer-implemented method for collecting and processing vehicle operation data by a mobile device of a user, the method comprising:
during a driving session and while collecting vehicle operation data, monitoring, by the mobile device, changes in an orientation of the mobile device relative to the vehicle by; analyzing at least one of GPS (Global Position System) data and mobile device position data collected during the driving session by one or more integrated sensors or devices located in the mobile device; based on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determining, by the mobile device, changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; and automatically adjusting, by the mobile device, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected to enhance vehicle operation data quality. - View Dependent Claims (26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36)
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37. A handheld mobile device configured to collect and process vehicle operation data, the handheld mobile device comprising:
a processor configured to; monitor changes in an orientation of the mobile device relative to a vehicle during a driving session and while vehicle operation data is being collected by one or more integrated sensors or devices mounted within the mobile device; analyze at least one of GPS (Global Positioning System) data and mobile device position data collected by the one or more integrated sensors or devices during the driving session; based on the analysis of the at least one of GPS data and mobile device position data collected by the one or more integrated sensors or devices, automatically determine changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; automatically adjust, via execution of a compensation algorithm, at least a portion of the collected vehicle operation data based on the determined changes in the orientation of the mobile device relative to the vehicle during the driving session and while the vehicle operation data is being collected; process the automatically adjusted vehicle operation data; and direct wireless transmission of the processed vehicle operation data to a remote computer for calculating an insurance premium based on the transmitted data. - View Dependent Claims (38, 39, 40, 41, 42, 43, 44)
Specification